The ANZ Business Black Credit Card is a premium credit card designed for businesses that need top-tier features and rewards. With an uncapped rewards program, complimentary travel insurance, and exclusive concierge services, this card is an excellent tool for managing business expenses.
ANZ Black card allows businesses to earn points on every dollar spent and up to 55 interest-free days on purchases, making it easier to manage cash flow while enjoying valuable benefits. Whether you are working daily business costs or entertaining clients, the ANZ Business Black Credit Card provides the flexibility and advantages businesses need.
Why Choose the ANZ Business Black Credit Card?
Uncapped Rewards Program
A major benefit of the ANZ Business BlackCard is its uncapped rewards program. Cardholders earn 1.5 ANZ Reward Points for every dollar spent on eligible purchases up to $10,000 per statement period, and 1 point for every dollar spent over that limit. This allows businesses to quickly accumulate points that can be redeemed for travel, gift cards, or cashback, making it a valuable asset for any business.
Comprehensive Travel Insurance
This card also includes complimentary Domestic and International Travel Insurance for eligible cardholders, ensuring peace of mind during business trips. The insurance covers emergency medical expenses, trip cancellations, and lost personal belongings, protecting your business from unexpected events while traveling.
ANZ Global Business Concierge
Cardholders gain access to the ANZ Global Business Concierge, which offers a range of exclusive services such as travel bookings, dining reservations, and event access. This service enhances the overall experience for business owners and their clients, simplifying the management of travel and entertainment arrangements.
Cash Flow Management
The ANZ Business Black Card offers up to 55 interest-free days on purchases, allowing businesses to manage cash flow more effectively. This feature gives businesses the flexibility to make necessary purchases without the immediate pressure of repayment, helping to allocate funds where they are needed most.
Pros and Cons of the ANZ Business Black Credit Card
| Pros | Cons |
|---|---|
| Uncapped rewards points | Annual fee of $300 |
| Complimentary travel insurance | Rewards fee of $75 per card |
| Access to ANZ Global Business Concierge | Higher interest rates on cash advances |
| Up to 55 interest-free days on purchases | Minimum credit limit requirement |
Fees and Interest Rates of ANZ Business Black Credit Card
| Fee Type | Amount |
|---|---|
| Annual Fee | $300 |
| Rewards Fee | $75 per additional card |
| Interest Rate on Purchases | 20.99% p.a. |
| Interest Rate on Cash Advances | 21.99% p.a. |
| Cash Advance Fee | 3% (minimum $3, maximum $20) |
| International Transaction Fee | 3% of the transaction |
| Minimum Credit Limit | $6,000 |
How to Apply for the ANZ Business Black Credit Card?
The application process is designed to be simple and quick, so you can focus on running your business while ANZ handles your credit card application. Check the given steps:
- Gather Required Documents: Prepare your business financial documents, including income statements and tax returns.
- Visit the ANZ Website: Go to the ANZ website and find the Business Black Card page.
- Start the Application: Click the ‘Apply Online’ button to begin the application.
- Complete the Application Form: Provide all required details accurately in the application form.
- Submit Your Application: Review and submit your application.
- Await Approval: ANZ will review your application and notify you of the outcome, usually within a few business days.
Eligibility Criteria
To apply for the ANZ Business Black Card, you must meet the following requirements:
- Be at least 18 years old.
- Be an Australian citizen, a permanent resident, or hold a valid visa with more than 12 months remaining.
- Have a valid ABN (Australian Business Number) and a stable income.
Conclusion
The ANZ Business Black Credit Card is a fantastic option for businesses that want to maximize rewards while enjoying premium benefits. With its uncapped rewards program, complimentary travel insurance, and concierge services, this card provides a complete solution for managing business expenses efficiently. If you’re looking for a card that offers flexibility and value, the ANZ Business Black Card is worth considering.